GOOD MORNING. EVERYONE. LET’S TALK YOUR BOTTOM LINE HERE THIS MORNING. WE’RE DOING THAT ESPECIALLY IN TERMS OF BANKRUPTCY AND HELP THE FUNDS: WE’RE TALKING TO MIKE JENKINS. A SERVICE THAT WE HAD ABOUT THE DOES AND DON’TS ABOUT SETTING UP AN APPOINTMENT OF AN BANKSY ATTORNEY. WE LIKE PEOPLE TO DO THE SAME THING. WE DON’T WANT THEM DOING THE WRONG THING. WE HAVE A EFFECTIVE AND SUCCESSFUL CASE AND GETTING TO THE POINT WE CAN GET TO WHERE WE NEED TO BE. LET’S THAT ABOUT THE DOES AND THE DON’TS. AND WE HAVE A COUPLE TO TALK ABOUT. WE TALKED DURING THE BREAK THIS IS A LOT MORE THAN ONE WOULD THINK. HERE WE GO. DON’T MAKE AN APPOINTMENT FOR A FREE CONSULTATION IF THEY WANT THAT TALK ABOUT IT SEE IF THAT IS A GOOD FIT AND CANCEL BECAUSE YOU GET COLD FEET. WE REALIZE THE TEMPERATURES ARE DROPPING. DON’T LET IT STOP YOU. RIGHT? LOOK WE OFFER A CONSULTATION AN HOUR. WE DON’T HAVE AN HOUR GLASS WE TURN UP SIDE DOWN AND COUNT THE SAND T IS 30 MINUTES. IT CAN GO UNDER OR OVER. IT FREE, YOU HAVE NOTHING TO LOSE. IT DOES NOT MEAN YOU DO A BANKRUPTCY. READY TO COME AND GET INFORMATION. AND PEOPLE HAVE THIS CONCEPT THEY COME IN AND WE’RE GOING TO DO SURGERY ON THEM. AND. AND YOU DON’T HAVE TO DO ANYTHING. MAKE A GOOD DECISION AND DO THIS OR NOT. BUT ARE YOU FREE TO LIVE. AND VERY VALUABLE. WE HAVE TALKED ABOUT THE DON’T DOES THAT YOU WANT TO BRING WITH YOU SO IT IS UTILIZING TIME. BUT BY NOT SHOWING UP. ARE YOU HINDERING YOURSELF BY GETTING FREE INFORMATION. ARE YOU NOT JUST HANGING OUT IN THE OFFICE. PEOPLE MAKE BLUNDERS TO MAKE GOOD DECISIONS THEY DO JUST THE OPPOSITE AND MAKING BAD DECISIONS. MEANTIME SAYING I WISH WE CAME IN WE WOULD HAVE DONE THINGS DIFFERENTLY. THEY ARE PAYING OUT THOUSANDS IN. PAS THEY SHOW UP A MONTH OR TWO LATER AND MOST A FEW THOUSAND. AND JUST TO BE CLEAR. HOW OFTEN DOES THIS HAPPEN? , EVERY WEEK. AND FREE ADVICE SO PEOPLE ARE THROWING AWAY AND SURGERY. AND. AND GET CARGOED A TIME. YOU HAVE TO CHAIN HOW THIS LEADS TO BAD. DON’T HIDE INFORMATION FROM YOUR ATTORNEY OR THE COURT. THAT’S THINGS YOU DIDN’T KNOW. WHAT ARE WE TALKING ABOUT. AND A SURPRISE FOR YOU, IT’S NOT SPOUSAL. I DON’T CARE IF THE SPOUSE IS SURPRISED. THEY WILL FIND OUT PLENTY. I’M CONCERNED ABOUT I DON’T HAVE TO HEAR FIRST THINGS WHEN WE GO TO THE PROCEEDING A MONTH AFTER THE MEETING OF CREDITORS AND SHOWS UP AND ASKING QUESTIONS I STAY HE NEVER TOLD ME ABOUT THAT. THESE CAN LEAD TO DIRE CONSEQUENCES IF YOU DIDN’T CLOSE IT. AND CLOSED IN THE BANKRUPTCY. AND ARE YOU ASKED UNDER OATH BY THE TRUSTEE. SOMETHING ELSE. YOU SAY NO. AND PRISON STRIPES. THE LEVEL OF ARE YOU GOING TO JAIL IF YOU KEEP THINGS. THERE ARE PRISON SENTENCES, YOU DON’T WANT IT TO THE LEVEL OF NOT TELLING YOU. I’M YOUR ADVOCATE I AM THERE TO MAKE SURE IT IS DEALT WITH PROPERLY. AND THERE HAS TO BE FULL DISCLOSURE. DON’T MAKE SIGNIFICANT DECISIONS WITHOUT DISCUSSING THEM WITH YOUR ATTORNEY. WHETHER I CAN USE MY CREDIT CARD. MY LIFE AND I ARE SAYING WE NEED THIS WHERE IT IS EMPTY? , WE TONIGHT HAVE A PROBLEM WITH PEOPLE USING CREDIT CARDS. THERE NOT TO USE THEM EVER AGAIN WE TOLD THEM TO STOP PAYING ON THEM AND STOP CHARGING THEM UP. THAT’S CROWD. AND WE’RE TALKING ABOUT DECISIONS. WHEN THEY COME TO SEE ME WHAT YOU OWN. ASSETS. WHAT DEBT OBLIGATIONS. AND WE DON’T WANT YOU MAKING A BIG ACQUISITION. AND 20,000 CAR. AND NO LOAN AGAINST IT. THEY WILL GIVE YOU THE FIRST 7 OR 8. AND. AND DON’T SELL SOMETHING WITHOUT TELLING ME AFTER YOU CAME IN BECAUSE AGAIN IT IS OKAY IT DEPENDS AND A FAMILY MEMBER. AND THESE ARE TRANSACTIONS THAT HAVE TO BE DISCLOSED IN THE BANKRUPTCY IN A QUESTION. HAVE YOU SOLD SOMETHING GIVEN IT AWAY TRANSFERS IT OR GOTTEN. GIVE US THE DETAILS. THAT GOES BACK. IF YOU SHOW UP YOU WILL GET THAT ADVICE. AND ALL THE ACTIONS CAN HAVE REACTIONS SO WE DON’T LIKE ANYTHING CHANGING WITHOUT KNOWING ABOUT ITS. A FINAL DON’T THIS MORNING. DON’T DISCUSS YOUR BANKRUPTCY SITUATION WITH EVERYONE TO GET THEIR TWO CENTS. WHAT DOES THAT MEAN? , I EXPLAINED TO TO PEOPLE WHAT ALL OF THE THINGS THEY WERE ASKING ME ABOUT AND WE WERE VERY INDEPTH DURING OUR CONVERSATION ABOUT THINGS. AND SO IF SOMEBODY HAS A QUESTION CALL ME BUT THEY TALK TO THEIR GIRLFRIEND, BOYFRIEND. BEST FRIEND. THIS AND THAT WILL I LOSE THAT. AND NOW THEY START GOING. MAY NOT AND SO IMA’ GETTING THE E-MAILS. AND. AND I’M TALKING WITH EVEN IF YOU HAVE GONE THROUGH THE PROCESS. AND YOU MAY HAVE AND. YOU CAPITAL SAY THIS HAPPENED TO SO AND SO. MAKE SURE YOU SHOW UP. AND YOU HAD DO WE GET IN TOUCH WITH YOU, 255-1855. WE’RE HAPPY TO ANSWER YOUR QUESTIONS. AND FOLLOW US ON FACEBOOK. AND THANK YOU FOR JOINING US AND DOES AND DON’TS. AND TOTALLY SERIOUS NEWS.